First National Bank of Northern California in city_name, state_name

First National Bank of Northern California in Daly City, California (CA)
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First National Bank of Northern California routing number info

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First National Bank of Northern California - Overview

General
FDIC Certificate #: 18767
Status: Active
Federal Reserve ID: 167060
Bank Holding Company (Regulatory Top Holder): Fnb Bancorp (RSSDID: 3047743, Location: South San Francisco, CA)
Date Established: May 03, 1963
WWW: http://www.fnbnorcal.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 12 (Domestic: 12, Interstate: No)
FDIC's unique #: 12630
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: May 03, 1963
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
Location
Address: 6600 Mission Street, Daly City, CA 94014
County: San Mateo
Quarterly Banking Profile Region: San Francisco
FDIC Geographic Region: San Francisco
FDIC Supervisory Region: San Francisco
FDIC Field Office: San Francisco
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: Western
Metropolitan Statistical Area (MSA): San Francisco, CA (#7360)
Consolidated Metropolitan Statistical Area (CMSA): San Francisco-Oakland-San Jose, CA (#84)
Combined Statistical Area (CSA): San Jose-San Francisco-Oakland, CA (#488)
Core Based Statistical Area (CBSA): San Francisco-Oakland-Fremont, CA (#41860)
CBSA Metro Statistical Area: San Francisco-Oakland-Fremont, CA (#41860)
Core Based Statistical Division: San Francisco-San Mateo-Redwood City, CA (#41884)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $715.6 mil
Equity capital: $86.6 mil
Deposits held in domestic offices: $622.4 mil
Return on assets (ROA): 0.60% ($4.3 mil)
Quarterly return on assets: 0.61% ($4.4 mil)
Return on Equity (ROE): 5.18% ($4.5 mil)
Quarterly return on equity: 5.10% ($4.4 mil)
Net income: $4.3 mil
Quarterly Net income: $1.1 mil
Pretax return on assets: 0.82% ($5,868.1 mil)
Quarterly Pretax return on assets: 0.85% ($6,082.8 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

Dollar figures in thousands
175Total employees (full-time equivalent)
$715,622Total assets
$38,474Cash and due from depository institutions
$24,305Interest-bearing balances
$187,664Securities
$0Federal funds sold & reverse repurchase agreements
$443,721Net loans & leases
$9,897Loan loss allowance
$0Trading account assets
$13,060Bank premises and fixed assets
$2,747Other real estate owned
$2,035Goodwill and other intangibles
$715,622Life insurance assets
$27,921All other assets
$629,016Total liabilities and capital
$622,352Total liabilities
$482,396Total deposits
$622,352Interest-bearing deposits
$81Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$6,664Subordinated debt
$86,606All other liabilities
$86,606Total equity capital
$86,606Total bank equity capital
$0Perpetual preferred stock
$14,898Common stock
$20,497Surplus
$51,211Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$19,123Income earned, not collected on loans
$2,224Earning assets
$3,614Long-term assets (5+ years)
$655,690Average Assets, year-to-date
$147,954Average Assets, quarterly
$714,032Volatile liabilities
$719,554Insider loans
$530,194FHLB advances
$721,986Loans and leases held for sale
$9,521Unused loan commitments
$9,521Tier 1 (core) risk-based capital
$80,500Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$90,228Restructured Loans and leases
$24,096Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$33,018Total interest income
$3,326Total interest expense
$29,692Net interest income
$1,750Provision for loan and lease losses
$4,004Total noninterest income
$0Fiduciary activities
$2,235Service charges on deposit accounts
$0Trading account gains & fees
$1,769Additional noninterest income
$26,536Total noninterest expense
$13,726Salaries and employee benefits
$3,451Premises and equipment expense
$9,359Additional noninterest expense
$5,410Pre-tax net operating income
$479Securities gains (losses)
$1,570Applicable income taxes
$4,319Income before extraordinary items
$0Extraordinary gains - net
$4,319Net income attributable to bank
$0Net charge-offs
$4,319Cash dividends
$1,377Sale, conversion, retirement of capital stock, net
$1,269Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.07%Yield on earning assets
0.51%Cost of funding earning assets
4.56%Net interest margin
0.61%Noninterest income to earning assets
4.07%Noninterest expense to earning assets
0.56%Net operating income to assets
0.60%Return on assets (ROA)
0.82%Pretax return on assets
5.18%Return on equity (ROE)
3.66%Retained earnings to average equity (YTD only)
0.29%Net charge-offs to loans
127.09%Credit loss provision to net charge-offs
5.20%Efficiency ratio
78,460Assets per employee
4.09%Cash dividends to net income (YTD only)
Condition Ratios (%)
29.38%Loss allowance to loans
2.18%Loss allowance to noncurrent loans
51.75%Noncurrent assets plus other real estate owned to assets
3.06%Noncurrent loans to loans
4.22%Net loans and leases to deposits
71.30%Net loans and leases to core deposits
75.45%Equity capital to assets
12.10%Core capital (leverage) ratio
11.15%Tier 1 risk-based capital ratio
15.18%Total risk-based capital ratio
Memoranda
$16Average assets
$714,032Average earning assets
$83,395Average equity
$651,410Average loans

List of branches

12 California Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	12630	First National Bank Of Northern Cali	6600 Mission Street, Daly City, CA 94014	May 03, 1963	Full Service Brick and Mortar
2	246411	South San Francisco Branch	211 Airport Boulevard, South San Francisco, CA 94080	September 30, 1968	Full Service Brick and Mortar
5	246414	Millbrae Branch	1551 El Camino Real, Millbrae, CA 94030	Febuary 16, 1973	Full Service Brick and Mortar
6	246415	Buri Buri Branch	975 El Camino Real, South San Francisco, CA 94080	December 15, 1980	Full Service Brick and Mortar
7	246416	Half Moon Bay Branch	756 Main Street, Half Moon Bay, CA 94019	January 11, 1982	Full Service Brick and Mortar
8	246417	Linda Mar Branch	1450 Linda Mar Shopping Center, Pacifica, CA 94044	October 29, 1984	Full Service Brick and Mortar
10	246419	Redwood City Branch	700 El Camino Real, Redwood City, CA 94063	June 07, 1993	Full Service Brick and Mortar
13	246422	San Mateo Branch	491 El Camino Real, Suite B, San Mateo, CA 94402	April 01, 1997	Full Service Brick and Mortar
14	198076	Pescadero Branch	239 Stage Road, Pescadero, CA 94060	October 17, 1904	Full Service Brick and Mortar
15	36255	Post Street - Financial Dist	65 Post Street, San Francisco, CA 94104	March 02, 1987	Full Service Brick and Mortar
16	260463	Portola Drive Branch	699 Portola Drive, San Francisco, CA 94127	August 02, 1999	Full Service Brick and Mortar
17	520283	Chestnut Street Branch	2197 Chestnut Street, San Francisco, CA 94123	April 04, 2011	Full Service Brick and Mortar

First National Bank of Northern California in Daly City, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank of Northern California - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First National Bank of Northern California in Daly City, California (CA)Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank of Northern California - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First National Bank of Northern California in Daly City, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches